Compare Bank & Credit Union Rates
Best credit card rates, lowest APRs
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 1–4 of 4 in Gainesville, TX metro · median 13.50% APR
- 10.15%APRas low as
Terms
Annual Percentage Rate for Purchases.
Credit card score 81 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as
Terms
Variable Rate. Rates as low as 12.99% APR*. Late fee up to $25. Returned payment fee up to $25. Average daily balance including new purchases.
Credit card score 67 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low as · up to 22.00%
14.00% APR, up to 22.00%
Terms
Variable Purchase APR based on creditworthiness. Variable rate is 7.00% to 15.00% + Prime Rate. Prime Rate of 7.00% as of September 16, 2026.
Credit card score 63
Rate checked · Credit cards rates on its site
Rates and branches - 14.25%APRas low as · up to 17.90%
14.25% APR, up to 17.90%
Terms
Rate for purchases. Rates based on applicant creditworthiness. Zero balance transfer fee.
Credit card score 63 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches
Each institution’s lowest ongoing purchase APR on a regular card (not an introductory or balance transfer rate): usually its best-credit rate. A rate that needs another account or similar says “with conditions”; More filters can leave those, or cards with an annual fee, out. Secured, business and credit-builder cards are left out. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What credit cards charge in Gainesville, TX metro
4 banks and credit unions · checked Oct 6–22
- Typical
- 13.50%
- Top 10% up to
- 11.00%
- Banks, typical
- 14.00%
- Credit unions, typical
- 12.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Gainesville, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- DATCUCredit union · 1 branch